Updated October 2, 2026
Car finance calculator (Brazil)
Besides the instalment, we show the total cost and the interest paid above the cash price.
Also searched as financiamento de veículo, car loan calculator Brazil and parcela do carro.
Quick answer
An R$80,000 car with 20% down, financed over 60 months at 1.97% a month, has an instalment of R$1,827.80 and costs R$125,668.00 in total, R$45,668.00 more than the cash price. Over 36 months the instalment is R$2,498.82 and the total cost falls to R$105,957.52.
Your result
Final cost of the car
R$5,852,800.00
- Financed amount
- R$64,000.00
- Instalment
- R$121,600.00
- Total interest
- R$5,772,800.00
- Above the cash price
- R$5,772,800.00
How we got this number
Brazilian car finance is usually Price. We show the instalment and the number that matters: cash price versus what you will have paid after the last instalment.
Formula and rules
Financed = price − down payment + extras. Final cost = down payment + PMT × n. Premium over cash = final cost − list price.
Examples
R$80,000 car, 20% down, 60 months
Financed R$64,000, instalment R$1,827.80 at 1.97% a month (Central Bank average, August 2026). With the down payment the total cost is R$125,668.00, R$45,668.00 above the cash price.
Frequently asked questions
Does the bank rate include insurance?
Rarely. Put insurance in extras or run the flow through CET.
How much will I pay in total for a financed car?
The down payment plus every instalment. On an R$80,000 car with 20% down and 60 instalments at 1.97% a month, the instalment is R$1,827.80 and the total cost is R$125,668.00, or R$45,668.00 above the cash price.
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Official sources used
Calculations run in your browser. We never ask for CPF, email or bank details, and values are not sent to our servers.
These tools provide educational estimates only. They are not a credit offer, financial advice, or an approval guarantee. Always check your payslip, contract and the current official rules.